Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 24 Jun 2026 |
| RSSD ID | 1104615 |
| Address | 1819 N. Columbia Street, Covington, LA 70433 Directions (Google Maps) |
| Website | Not given on the official list (listed as “Non given”) |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$300,000 in 1 award from the U.S. Treasury's CDFI Fund, 2024 (CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026Subsidiary bank on file with the FDIC: American Bank (FDIC cert 19234, total assets $366.6 million). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $366.6 million (as of 30 Jun 2026) |
|---|---|
| Offices | 5 (as of 30 Oct 2026) |
Offices by state and county (5)
Louisiana (5 offices)
- Jefferson Parish (1): 2021 Carol Sue Ave, Terrytown 70056
- Red River Parish (1): 1625 Ringgold Ave, Coushatta 71019
- St. Tammany Parish (2): 1819 N Columbia St, Covington 70433 (main office); 406 N Causeway Blvd, Mandeville 70448
- Tangipahoa Parish (1): 506 Sw Railroad Ave, Hammond 70403
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, American Bank (RSSD 597452, FDIC cert 19234), the only active bank the FDIC lists under this holding company. Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $249.1 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 6.1% from $234.7 million on 30 Jun 2025 |
| Total assets | $366.6 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $45.3 million | 18.1% |
| Home equity lines of credit | $6.1 million | 2.4% |
| Commercial real estate, construction and multifamily | $174.8 million | 70.0% |
| Commercial and industrial (business) loans | $18.3 million | 7.3% |
| Farmland and farm production loans | $194,000 | 0.1% |
| Consumer loans (credit cards, auto, other) | $1.8 million | 0.7% |
| All other loans and leases | $3.1 million | 1.2% |
Within consumer loans: auto loans $253,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 31 loans $1.7 million | 85 loans $3 million |
| $100,001 to $250,000 | 52 loans $6.1 million | 36 loans $2.4 million |
| $250,001 to $1 million | 102 loans $34.4 million | 40 loans $7.5 million |
| All small business loans | 185 loans $42.2 million | 161 loans $12.9 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 5 loans $74,000 | none reported |
| $100,001 to $250,000 | 1 loan $25,000 | none reported |
| $250,001 to $500,000 | 1 loan $95,000 | none reported |
| All small farm loans | 7 loans $194,000 | none reported |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025American Bancshares, Inc.'s subsidiary “American Bank” reported 34 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $9.6M (median loan about $205,000). 27 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 27 | 79% |
| Refinance (incl. 6 cash-out) | 6 | 18% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 33 | 97% |
Where the loans were made
Counties with the most 2025 originations, out of 11 counties with at least one; 100% of its 2025 loans were for properties in Louisiana:
Filed under LEI 549300O0BQZ8YGYRA730 as “American Bank”; matched through its RSSD ID: the HMDA reporter panel lists this CDFI as the filer's parent or top holder. The subsidiary is not on the CDFI list itself, so its loans are shown here.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $350,900 (232 loans) | All 7(a) lenders in Louisiana: $250,000. Larger than the median loan of 82% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| Variable-rate 7(a) loans: rate over prime at approval, FY2024–26 | median 3 pts, half between 2 pts and 3 pts (126 loans; 19% at the SBA maximum) | All lenders in Louisiana: median 2.75 pts, 16% at the maximum (1,233 loans). |
| SBA approvals, FY2023–24 → FY2025–26 | 111 → 69 | Rank among the 19 certified CDFIs in Louisiana with SBA approvals in either period: 1 → 1. |
| Total assets (Call Report, 30 Jun 2026) | $366.6 million | Larger than 54% of the 72 other certified banks and bank holding companies in Louisiana (median $318.5 million). |
| Loans as a share of assets | 68% | Median of the same 72 banks and bank holding companies: 73%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $234.7 million → $249.1 million (+6%) | Median change of 72 other certified banks and bank holding companies in Louisiana: +3%. Rank by loans held among these 73: 34 → 33. |
| Home loans originated in 2025 (HMDA) | 34 | More than 14% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 82% |
| Rate over prime | all variable-rate 7(a) loans in Louisiana, FY2024–26 | 1,233 | median 3 pts vs 2.75 pts |
| SBA approvals then vs now | certified CDFIs in Louisiana with SBA approvals FY2023–2026 | 18 | rank 1 → 1 of 19 |
| Call Report total assets | other certified banks and bank holding companies in Louisiana | 72 | larger than 54% |
| Loans held then vs now | certified banks and bank holding companies in Louisiana reporting both dates | 72 | rank 34 → 33 of 73 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 14% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 232 SBA-backed approvals for American Bancshares, Inc. in fiscal years 2020–2026 (October 2019 to September 2026):
- 232 7(a) loans as the lender: $210.8M in total (gross amount approved), median $350,900
By fiscal year: FY2020 0 · FY2021 11 · FY2022 41 · FY2023 54 · FY2024 57 · FY2025 25 · FY2026 44.
What actually happened
- Size of its 7(a) loans: half were between $139,050 and $1M, median $350,900 (232 loans)
- Term of its 7(a) loans: median 120 months (10 years) (232 loans)
- Interest rate at approval on its 7(a) loans in FY2025–26: median 9.50%, half between 8.75% and 10.00% (69 loans; SBA's initial rate, before any change on a variable loan)
- Fixed or variable: 0% of its 7(a) loans had a fixed rate (232 loans)
- Young businesses: 49% of its 7(a) loans went to a startup or a business two years old or less (232 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (157, 68%)
- 7(a) SBA Express (72, 31%)
- 7(a) working-capital and trade lines (3, 1%)
Borrower industries
NAICS sector, 3 or more loans.
- Accommodation and food services (55)
- Construction (32)
- Retail trade (27)
- Health care and social assistance (21)
- Other services (except public administration) (18)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- St. Tammany Parish, LA (64)
- Orleans Parish, LA (30)
- Tangipahoa Parish, LA (17)
- Jefferson Parish, LA (16)
- East Baton Rouge Parish, LA (16)
- Ascension Parish, LA (11)
- Livingston Parish, LA (7)
- St. Landry Parish, LA (6)
- Calcasieu Parish, LA (5)
- Red River Parish, LA (5)
- Lafayette Parish, LA (4)
- Rapides Parish, LA (4)
- Natchitoches Parish, LA (4)
- Beauregard Parish, LA (3)
- Hancock County, MS (3)
How this lender was matched in the SBA files: its subsidiary bank, FDIC cert 19234, found through the holding company's RSSD ID (SBA lists “American Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. American Bancshares, Inc. may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Covington and Louisiana
- 705 Federal Credit UnionCredit union · Lafayette, LAAuto / vehicle loans, Credit-builder loans, Microloans, Home mortgages…Verified
- American Bank & Trust CompanyBank or thrift · Opelousas, LAAgriculture / farm loans, Commercial real estate loans, Home mortgages, Personal / consumer loans…Verified
- Ascension Credit UnionCredit union · Gonzales, LAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- BASILE STATE BANKBank or thrift · Basile, LAAuto / vehicle loans, Home repair / improvement loans, Personal / consumer loansVerified
- BOM BankBank or thrift · Natchitoches, LAAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loans…Verified
- Bank Of Sunset & Trust CompanyBank or thrift · Sunset, LAAuto / vehicle loans, Commercial real estate loans, Home repair / improvement loans, Home mortgages…Verified
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